The last decade has seen an increase in the number of organized pre-retirement planning programs. An exploratory model for examining such programs utilizes Warren's division of the community into five sectors to provide a conceptual community framework by which pre-retirement development can be analyzed. In the first sector, Production-Distribution-Consumption, pre-retirement planning programs appear to be more prevalent than in other sectors, i.e., companies and industries have developed pre-retirement programs for their employees. In the Socialization sector, pre-retirement programs have developed primarily through continuing education courses. Pre-retirement programs are included in the Social Control sector when the federal government has subsidized programs. The fourth sector, Social Participation, includes opportunities for individuals to participate in various community groups. The final sector, Mutual Support, includes health and welfare services; pre-retirement planning is infrequent in this sector because of its focus on crisis intervention. Major areas of pre-retirement needing further research involve studying program ideologies, examining the effect of research on existing and developing programs, and analyzing specific attitudinal resistance by non-participants. (NRB)